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Coast360 Federal Credit Union Go to main content
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Routing Number 321481612

Mortgage Rates

Fixed Rate Mortgages
Effective Date: Thursday, September 21st, 2017
Term YearsPoints %Orig. Fee %Rate*APR**
Owner-Occupied Fixed
15 2.25% 0.00% 2.750% 3.079%
15 1.25% 0.00% 2.875% 3.060%
15 0.00% 0.00% 3.000% 3.006%
20 2.25% 0.00% 3.375% 3.635%
20 1.25% 0.00% 3.500% 3.646%
20 0.00% 0.00% 3.625% 3.630%
30 2.25% 0.00% 3.500% 3.686%
30 1.25% 0.00% 3.625% 3.730%
30 0.00% 0.00% 3.750% 3.753%
Owner Occupied Fixed - VA
30 1.00% 0.00% 4.125% 4.498%
Non-Owner Occupied Fixed
15 2.25% 0.00% 2.750% 3.079%
15 1.25% 0.00% 2.875% 3.060%
15 0.00% 0.00% 3.000% 3.006%

Adjustable Rate Mortgages (ARM)
Effective Date: Thursday, September 21st, 2017
Loan TypeTerm YearsOrig. Fee %Rate*APR**
Owner-Occupied - ARM
1 / 1 Year 15 / 30 0.50% 2.750% 2.827% / 2.792%
3 / 1 Year 15 / 30 0.50% 2.750% 2.827% / 2.792%
5 / 1 Year 15 / 30 0.50% 2.875% 2.952% / 2.917%
7 / 1 Year 15 / 30 0.50% 3.000% 3.077% / 3.042%
10 / 1 Year 15 / 30 0.50% 3.500% 3.578% / 3.543%
Non-Owner-Occupied - ARM
1 / 1 Year 15 0.50% 2.750% 2.827%
3 / 1 Year 15 0.50% 2.750% 2.827%
5 / 1 Year 15 0.50% 2.875% 2.952%
7 / 1 Year 15 0.50% 3.000% 3.077%
10 / 1 Year 15 0.50% 3.500% 3.578%
Other Types
Construction 1 1.00% 6.000% 6.196%
2nd Mort. Home Equity 15 1.00% 6.25% - 9.25% 6.415% - 9.430%

Note:

1. Additional delivery fees will apply as determined by FHLMC.
2. Rates are rounded to the nearest 1/8th of a percent.
3. The Annual Percentage Rate (APR) is based on a $100K loan.
4. 15-Year Fixed Rate Offerings for owner and non-owner occupied types are the same.
5. We do not offer 20 and 30-Year Fixed and ARM rates for non-owner occupied types.
6. Non-owner types for both 15-Year Fixed and ARM Offerings have a LTV ratio of 75%.
7. 2 - 4 unit non-owner types for cash-out refinancing (only) have an LTV Ratio of 70%.
8. For loan amounts over $750,000.00, ARM Rate is computed as: Rate +0.75%.
9. Wall Street Journal (WSJ) Prime Rate is 3.50%, used as Index Rate for Home Equity Loan.
10. The Floor Rate for ARM Rates is the Intial Rate.
11. For ARM Rates, the interest rate on 1st change date and thereafter is computed as:
LIBOR 1-Yr +Margin.
12. APR for VA includes a 3.30% VA funding fee.

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